01. I’m over my credit limit.

我的信用卡透支了。

02. Don’t lavish on fashion too much

不要在潮流時尚上大手大腳地揮霍了。

03. You should keep a rational spending habit.

你應當養成一個理性的消費習慣。

04. I usually use my credit card when I don’t have enough cash.

當我現金不夠時，我通常會刷信用卡。

05. I’m in debt.

我欠債了。

06. My current salary can not make ends meet.

我現在的薪水根本不夠花。

07. I have a tight pocket.

我手頭有點緊。

08. You’d better change your attitude towards money.

你最好改變一下對金錢的態度。

09. I have to pay off my credit card bill at the end of each month.

我不得不在每個月末償還信用卡欠款。

10. What is the annual interest rate?

年利息率是多少?

11. I have got an interest-free loan for 6 months.

我獲得了一份六個月的無息貸款。

12. My credit limit has been raised.

我的信用額度提高了。

13. I am overdrawn by 1 500 Yuan.

我透支了1 500元。

14. Owning a heavily overdrawn account is not a good sign.

擁有一個巨額透支的賬戶可不是一個好跡象。

15. You should change your over-spending behavior.

你應該改改你那過度消費的行為。

16. He has built up debt from over-spending.

由于過度消費，他已經負債累累。

17. My credit card debt is twice my income.

我信用卡上的負債已經高達我收入的二倍了。

18. I’m getting into a serious financial trouble.

我陷入了嚴重的財務危機。

19. He focuses on spending today rather than making a budget for tomorrow.

他只顧眼前的消費，從不為將來做預算。

20. They are embracing a "buy now, pay later" lifestyle.

他們崇尚一種"消費在前，還款在后"的生活方式。